SPOKO money transfers

Send more, spend less. You can always rely on our money-saving exchange rates. You’ll find Spoko cheaper than sending money abroad with traditional banks and other financial services.

Send money as you wish from 25 European countries and the UK in: EUR (Euro), GBP (British Pound), PLN (Polish Złoty) or SEK (Swedish Krona)
• You can choose how to send & receive transfers:
— Visa, Mastercard or Maestro debit and credit cards;
— Sofort/Klarna;
— Bank transfer;
— Blik (for Polish Złoty);
— Apple Pay, Google Pay.
• Receive money instantly on a bank account, debit card, e-wallet, mobile money or pickup cash from one of our 50 000+ agent locations around the world.

We always offer an excellent exchange rate, without hidden fees!

Send money to 50+ countries including: 
Ukraine, Moldova, Georgia, Azerbaijan, Uzbekistan, Armenia, Nigeria, India, Philippines, Ghana, Turkey, Senegal, Morocco, Cameroon and many other countries around the world.

 Ukraine:
• Cheap transfers in PLN currency,
• Commission from PLN 1.5;
• Crediting to cards of all Ukrainian banks:
Privatbank, Monobank, A-bank, Oschadbank, Ukreximbank, Ukrsibbank, Ukrgasbank, Kredobank, OTP Bank, Pivdenny, PUMB and many others;
• Pay from Poland using BLIK code or any Polish bank card;

Security and Privacy you can trust.
• Spoko mobile app is 100% secure and encrypted;
• Any sensitive information you share with us is hidden from prying eyes;
• We encrypt all transfers and protect you against fraud using bank-level security procedures;
• Your personal data is protected in accordance with the EU General Data Protection Regulation (GDPR);
• Protect your profile with a two-factor authentication, face recognition or fingerprint recognition.

Our services are fully regulated, so your hard-earned money is safe, secure and transmitted easily. 

 Award Winning App which will satisfy all you needs:
• Add and save multiple cards in different currencies;
• Free account and no monthly fees;
• Save your recipients and repeat transactions in a few clicks;
• Real-time tracking and clear transfer limits;
• Earn 10€ for every friend you invite.

 Legendary Customer Support
Any help is needed ? Our multilingual team of experts is always here to answer your questions. You can use live chat in our app, e-mail [email protected] or call us +48 22 523 46 59 

We love our customers and believe that modern money transfers should be stress-free, smart and accessible.

Make your life easier with only one click - download the Spoko app and join 900.000 happy customers right now.